company background image
5429

Ujjivan Small Finance Bank BSE:542904 Stock Report

Last Price

₹22.10

Market Cap

₹43.2b

7D

-10.2%

1Y

10.5%

Updated

26 Sep, 2022

Data

Company Financials +
542904 fundamental analysis
Snowflake Score
Valuation1/6
Future Growth2/6
Past Performance2/6
Financial Health5/6
Dividends0/6

542904 Stock Overview

Ujjivan Small Finance Bank Limited provides various banking and financial services in India.

Ujjivan Small Finance Bank Competitors

Price History & Performance

Summary of all time highs, changes and price drops for Ujjivan Small Finance Bank
Historical stock prices
Current Share Price₹22.10
52 Week High₹25.85
52 Week Low₹13.50
Beta1.44
1 Month Change7.54%
3 Month Change50.34%
1 Year Change10.50%
3 Year Changen/a
5 Year Changen/a
Change since IPO-60.47%

Recent News & Updates

Shareholder Returns

542904IN BanksIN Market
7D-10.2%-5.8%-3.7%
1Y10.5%1.6%-1.9%

Return vs Industry: 542904 exceeded the Indian Banks industry which returned 5.1% over the past year.

Return vs Market: 542904 exceeded the Indian Market which returned 0.5% over the past year.

Price Volatility

Is 542904's price volatile compared to industry and market?
542904 volatility
542904 Average Weekly Movement6.8%
Banks Industry Average Movement4.6%
Market Average Movement5.8%
10% most volatile stocks in IN Market9.0%
10% least volatile stocks in IN Market3.7%

Stable Share Price: 542904 is not significantly more volatile than the rest of Indian stocks over the past 3 months, typically moving +/- 7% a week.

Volatility Over Time: 542904's weekly volatility (7%) has been stable over the past year.

About the Company

FoundedEmployeesCEOWebsite
201616,664Ittira Davishttps://www.ujjivansfb.in

Ujjivan Small Finance Bank Limited provides various banking and financial services in India. The company operates through Treasury, Retail Banking, and Corporate/Wholesale Banking segments. It provides current, savings, salary, and NRI accounts; and fixed, recurring, TASC fixed, and tax saver fixed deposits.

Ujjivan Small Finance Bank Fundamentals Summary

How do Ujjivan Small Finance Bank's earnings and revenue compare to its market cap?
542904 fundamental statistics
Market Cap₹43.19b
Earnings (TTM)₹218.40m
Revenue (TTM)₹16.56b

197.8x

P/E Ratio

1.4x

P/B Ratio

Earnings & Revenue

Key profitability statistics from the latest earnings report
542904 income statement (TTM)
Revenue₹16.56b
Cost of Revenue₹0
Gross Profit₹16.56b
Other Expenses₹16.34b
Earnings₹218.40m

Last Reported Earnings

Jun 30, 2022

Next Earnings Date

n/a

Earnings per share (EPS)0.11
Gross Margin100.00%
Net Profit Margin1.32%
Debt/Equity Ratio64.6%

How did 542904 perform over the long term?

See historical performance and comparison
We’ve recently updated our valuation analysis.

Valuation

Is 542904 undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

1/6

Valuation Score 1/6

  • Price-To-Book vs Peers

  • Price-To-Book vs Industry

  • Price-To-Book vs Fair Ratio

  • Below Fair Value

  • Significantly Below Fair Value

  • Analyst Forecast

Key Valuation Metric

Which metric is best to use when looking at relative valuation for 542904?

Other financial metrics that can be useful for relative valuation.

542904 key valuation metrics and ratios. From Price to Earnings, Price to Sales and Price to Book to Price to Earnings Growth Ratio, Enterprise Value and EBITDA.
Key Statistics
Enterprise Value/Revenuen/a
Enterprise Value/EBITDAn/a
PEG Ration/a

Price to Book Ratio vs Peers

How does 542904's PB Ratio compare to its peers?

542904 PB Ratio vs Peers
The above table shows the PB ratio for 542904 vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyPBEstimated GrowthMarket Cap
Peer Average2.3x
542867 CSB Bank
1.5xn/a₹38.7b
BANDHANBNK Bandhan Bank
2.3x25.7%₹421.3b
532180 Dhanlaxmi Bank
0.3xn/a₹3.0b
540611 AU Small Finance Bank
5.3xn/a₹397.0b
542904 Ujjivan Small Finance Bank
1.4xn/a₹43.2b

Price-To-Book vs Peers: 542904 is good value based on its Price-To-Book Ratio (1.4x) compared to the peer average (2.3x).


Price to Earnings Ratio vs Industry

How does 542904's PE Ratio compare vs other companies in the IN Banks Industry?

Price-To-Book vs Industry: 542904 is expensive based on its Price-To-Book Ratio (1.4x) compared to the Indian Banks industry average (1.1x)


Price to Book Ratio vs Fair Ratio

What is 542904's PB Ratio compared to its Fair PB Ratio? This is the expected PB Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

542904 PB Ratio vs Fair Ratio.
Fair Ratio
Current PB Ratio1.4x
Fair PB Ration/a

Price-To-Book vs Fair Ratio: Insufficient data to calculate 542904's Price-To-Book Fair Ratio for valuation analysis.


Share Price vs Fair Value

What is the Fair Price of 542904 when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Below Fair Value: Insufficient data to calculate 542904's fair value for valuation analysis.

Significantly Below Fair Value: Insufficient data to calculate 542904's fair value for valuation analysis.


Analyst Price Targets

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

Analyst Forecast: Target price is less than 20% higher than the current share price.


Discover undervalued companies

Future Growth

How is Ujjivan Small Finance Bank forecast to perform in the next 1 to 3 years based on estimates from 1 analyst?

Future Growth Score

2/6

Future Growth Score 2/6

  • Earnings vs Savings Rate

  • Earnings vs Market

  • High Growth Earnings

  • Revenue vs Market

  • High Growth Revenue

  • Future ROE


27.8%

Forecasted annual revenue growth

Earnings and Revenue Growth Forecasts


Analyst Future Growth Forecasts

Earnings vs Savings Rate: Insufficient data to determine if 542904's forecast earnings growth is above the savings rate (6.8%).

Earnings vs Market: Insufficient data to determine if 542904's earnings are forecast to grow faster than the Indian market

High Growth Earnings: Insufficient data to determine if 542904's earnings are expected to grow significantly over the next 3 years.

Revenue vs Market: 542904's revenue (27.8% per year) is forecast to grow faster than the Indian market (10.4% per year).

High Growth Revenue: 542904's revenue (27.8% per year) is forecast to grow faster than 20% per year.


Earnings per Share Growth Forecasts


Future Return on Equity

Future ROE: 542904's Return on Equity is forecast to be low in 3 years time (18.9%).


Discover growth companies

Past Performance

How has Ujjivan Small Finance Bank performed over the past 5 years?

Past Performance Score

2/6

Past Performance Score 2/6

  • Quality Earnings

  • Growing Profit Margin

  • Earnings Trend

  • Accelerating Growth

  • Earnings vs Industry

  • High ROE


-55.8%

Historical annual earnings growth

Earnings and Revenue History

Quality Earnings: 542904 has high quality earnings.

Growing Profit Margin: 542904 became profitable in the past.


Past Earnings Growth Analysis

Earnings Trend: 542904's earnings have declined by 55.8% per year over the past 5 years.

Accelerating Growth: 542904 has become profitable in the last year, making the earnings growth rate difficult to compare to its 5-year average.

Earnings vs Industry: 542904 has become profitable in the last year, making it difficult to compare its past year earnings growth to the Banks industry (38.6%).


Return on Equity

High ROE: 542904's Return on Equity (0.7%) is considered low.


Discover strong past performing companies

Financial Health

How is Ujjivan Small Finance Bank's financial position? (This company is analysed differently as a bank or financial institution)

Financial Health Score

5/6

Financial Health Score 5/6

  • Asset Level

  • Allowance for Bad Loans

  • Low Risk Liabilities

  • Loan Level

  • Low Risk Deposits

  • Level of Bad Loans

Financial Position Analysis


Debt to Equity History and Analysis


Balance Sheet


Financial Institutions Analysis

Asset Level: 542904's Assets to Equity ratio (8.1x) is low.

Allowance for Bad Loans: 542904 has a sufficient allowance for bad loans (255%).

Low Risk Liabilities: 87% of 542904's liabilities are made up of primarily low risk sources of funding.

Loan Level: 542904 has an appropriate level of Loans to Assets ratio (68%).

Low Risk Deposits: 542904's Loans to Deposits ratio (89%) is appropriate.

Level of Bad Loans: 542904 has a high level of bad loans (5.9%).


Discover healthy companies

Dividend

What is Ujjivan Small Finance Bank current dividend yield, its reliability and sustainability?

Dividend Score

0/6

Dividend Score 0/6

  • Notable Dividend

  • High Dividend

  • Stable Dividend

  • Growing Dividend

  • Earnings Coverage

  • Future Dividend Coverage


0.45%

Forecast Dividend Yield

Dividend Yield vs Market

Ujjivan Small Finance Bank Dividend Yield vs Market
How does Ujjivan Small Finance Bank dividend yield compare to the market?
SegmentDividend Yield
Company (Ujjivan Small Finance Bank)n/a
Market Bottom 25% (IN)0.4%
Market Top 25% (IN)1.6%
Industry Average (Banks)0.9%
Analyst forecast in 3 Years (Ujjivan Small Finance Bank)0.5%

Notable Dividend: Unable to evaluate 542904's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.

High Dividend: Unable to evaluate 542904's dividend yield against the top 25% of dividend payers, as the company has not reported any recent payouts.


Stability and Growth of Payments

Stable Dividend: Insufficient data to determine if 542904's dividends per share have been stable in the past.

Growing Dividend: Insufficient data to determine if 542904's dividend payments have been increasing.


Current Payout to Shareholders

Earnings Coverage: Insufficient data to calculate payout ratio to determine if its dividend payments are covered by earnings.


Future Payout to Shareholders

Future Dividend Coverage: No need to calculate the sustainability of 542904's dividend in 3 years as they are not forecast to pay a notable one for the Indian market.


Discover strong dividend paying companies

Management

How experienced are the management team and are they aligned to shareholders interests?

0.7yrs

Average management tenure


CEO

Ittira Davis (67 yo)

0.67yr

Tenure

₹3,469,481

Compensation

Mr. Ittira Davis serves as Executive Director, Managing Director and Chief Executive Officer at Ujjivan Small Finance Bank Limited since January 14, 2022. He served as the Non-Executive Director at Ujjivan...


CEO Compensation Analysis

Ittira Davis's Compensation vs Ujjivan Small Finance Bank Earnings
How has Ittira Davis's remuneration changed compared to Ujjivan Small Finance Bank's earnings?
DateTotal Comp.SalaryCompany Earnings
Jun 30 2022n/an/a

₹218m

Mar 31 2022₹3m₹3m

-₹4b

Dec 31 2021n/an/a

-₹4b

Sep 30 2021n/an/a

-₹6b

Jun 30 2021n/an/a

-₹3b

Mar 31 2021₹75kn/a

₹83m

Compensation vs Market: Ittira's total compensation ($USD42.77K) is below average for companies of similar size in the Indian market ($USD301.75K).

Compensation vs Earnings: Ittira's compensation has been consistent with company performance over the past year.


Leadership Team

Experienced Management: 542904's management team is not considered experienced ( 0.7 years average tenure), which suggests a new team.


Board Members

Experienced Board: 542904's board of directors are not considered experienced ( 1.1 years average tenure), which suggests a new board.


Ownership

Who are the major shareholders and have insiders been buying or selling?


Insider Trading Volume

Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.


Ownership Breakdown

What is the ownership structure of 542904?
Owner TypeNumber of SharesOwnership Percentage
Individual Insiders4,202,5610.2%
Institutions22,077,1061.1%
State or Government24,978,9901.3%
General Public463,209,22423.7%
Public Companies1,440,036,80073.7%

Dilution of Shares: Shareholders have been diluted in the past year, with total shares outstanding growing by 13.1%.


Top Shareholders

Top 20 shareholders own 76.3% of the company
OwnershipNameSharesCurrent ValueChange %Portfolio %
73.68%
Ujjivan Financial Services Limited
1,440,036,800₹31.8b0%no data
1.28%
Singapore
24,978,990₹552.0m0%no data
1.04%
abrdn plc
20,414,977₹451.2m0%0.01%
0.18%
Samit Ghosh
3,547,143₹78.4m0%no data
0.054%
Dimensional Fund Advisors LP
1,050,080₹23.2m5.55%no data
0.031%
State Street Global Advisors, Inc.
612,049₹13.5m0.89%no data
0.01%
Ittira Davis
200,000₹4.4m0%no data
0.0088%
Upma Goel
172,831₹3.8m0%no data
0.0056%
Carol Furtado
109,684₹2.4m0%no data
0.0021%
Martin Pampilly
40,300₹890.6k0%no data
0.0018%
Vibhas Chandra
35,000₹773.5k0%no data
0.0014%
Brajesh Cherian
27,443₹606.5k0%no data
0.0013%
Arunava Banerjee
25,000₹552.5k0%no data
0.001%
Parag Srivastava
20,000₹442.0k0%no data
0.00073%
Abhay Kataria
14,300₹316.0k0%no data
0.00041%
Sanjeev Barnwal
8,000₹176.8k0%no data
0.00015%
Chandralekha Chaudhuri
2,857₹63.1k0%no data
0%
Sudha Suresh
1₹22.10%no data
0%
Premkumar Govindappa
1₹22.10%no data
0%
Rajat Singh
1₹22.10%no data

Company Information

Ujjivan Small Finance Bank Limited's employee growth, exchange listings and data sources


Key Information

  • Name: Ujjivan Small Finance Bank Limited
  • Ticker: 542904
  • Exchange: BSE
  • Founded: 2016
  • Industry: Regional Banks
  • Sector: Banks
  • Implied Market Cap: ₹43.195b
  • Shares outstanding: 1.95b
  • Website: https://www.ujjivansfb.in

Number of Employees


Location

  • Ujjivan Small Finance Bank Limited
  • Grape Garden
  • 6th Block
  • Bengaluru
  • Karnataka
  • 560095
  • India


Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
UJJIVANSFBNSEI (National Stock Exchange of India)YesEquity SharesININRDec 2019
542904BSE (Mumbai Stock Exchange)YesEquity SharesININRDec 2019

Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2022/09/26 00:00
End of Day Share Price2022/09/26 00:00
Earnings2022/06/30
Annual Earnings2022/03/31


Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.